When to Make the Call

• If you take out a cash advance because you do not have cash. Emergencies happen, and that is understood, so be very cautious if you use cash advances.
• Have you applied for a credit increase and been denied? This is different than your credit card company periodically raising your limit. This is done to reward its card members for demanding responsible use of credit.
• Have you lost track of whom and what you owe?
• Are you paying off a credit card by using another credit card? If you are using one debt to pay off another debt, you are not making financially responsible decisions.